Morgan Housel 写的《金钱心理学》（The Psychology of Money）。不管你多大年纪都强烈推荐。同一作者的新书《The Art of Spending Money》我刚读了几个章节，目前感觉也非常好。两本书都在讲个人理财首先而且最重要的一点：它是“个人”的，因人而异，而且极度取决于你的人生经历。
The Psychology of Money by Morgan Housel. Highly recommended no matter what your age. Just a few chapters into The Art of Spending Money by the same author. So far very good as well. Both cover how personal finance is, first and foremost, personal and specific to an individual and highly dependent on your life experience.
……节俭。这不是在进行道德说教，而是去认识人类大脑的奖赏中心是如何运作的：* https://en.wikipedia.org/wiki/Hedonic_treadmill 我推荐 Morgan Housel 最近出的新书《The Art of Spending Money》，或者去看看他最近几个月关于这本书的访谈：* https://collabfund.com/blog/my-new-book-the-art-of-spending-... 重点不在于你是要节俭、抠门还是大手大脚，而是……
…frugality. It's not a bout moralizing but recognizing how the reward centres of the human brain work: * https://en.wikipedia.org/wiki/Hedonic_treadmill I would recommend the recently published book The Art of Spending Money by Morgan Housel, or check out the interviews he's done in recent months on it: * https://collabfund.com/blog/my-new-book-the-art-of-spending-... It's not about being frugal or cheap or spendy, but…
……根据你自己的生活方式和生活成本去调整那 12 万美元的年支出吧。你虽然坐不起私人飞机，但这能消除生活中绝大多数的焦虑。刚出版《The Art of Spending Money》（此前著有《金钱心理学》）的作者 Morgan Housel 说道：> 00:50:16 […] 你有做自己的独立性，每天早上醒来可以说：我今天想干嘛就干嘛。这就是财富。* https://ritholtz.com/2025/11/transcript-morgan-housel-spend/
…Adjust the $120k annual spend for your own lifestyle and cost of living. You're not going to fly private, but it will take most of the worry out of life. Morgan Housel, author of the recently release The Art of Spending Money (and previously The Psychology of Money): > 00:50:16 […] You have the independence to be who you are and wake up every morning and say, I can do whatever I want today. That’s wealth. * https://ritholtz.com/2025/11/transcript-morgan-housel-spend/
……商业伦理、How to Be Happy All The Time、Shape Up、钓大鱼（Catching the Big Fish）、Babaji The Lightning Standing Still、被讨厌的勇气（The Courage to be Happy）、系统学：系统如何运作，特别是如何失败（Systemantics: How Systems Work and Especially How They Fail）、The Art of Spending Money、Laws of Life、The Oracle、克里亚瑜伽：新时代的灵性觉醒（Kriya Yoga: Spiritual Awakening for the New Age）、内在卓越：训练你的心智以获得非凡表现与最佳人生（Inner Excellence: Train Your Mind for Extraordinary Performance and the Best Possible Life）
…Business Ethics How to Be Happy All The Time Shape Up Catching the Big Fish Babaji The Lightning Standing Still The Courage to be Happy Systemantics: How Systems Work and Especially How They Fail The Art of Spending Money Laws of Life The Oracle Kriya Yoga: Spiritual Awakening for the New Age Inner Excellence: Train Your Mind for Extraordinary Performance and the Best Possible Life
Morgan Housel 写的《金钱心理学》（The Psychology of Money）。不管你多大年纪都强烈推荐。同一作者的新书《The Art of Spending Money》我刚读了几个章节，目前感觉也非常好。两本书都在讲个人理财首先而且最重要的一点：它是“个人”的，因人而异，而且极度取决于你的人生经历。
The Psychology of Money by Morgan Housel. Highly recommended no matter what your age. Just a few chapters into The Art of Spending Money by the same author. So far very good as well. Both cover how personal finance is, first and foremost, personal and specific to an individual and highly dependent on your life experience.
……节俭。这不是在进行道德说教，而是去认识人类大脑的奖赏中心是如何运作的：* https://en.wikipedia.org/wiki/Hedonic_treadmill 我推荐 Morgan Housel 最近出的新书《The Art of Spending Money》，或者去看看他最近几个月关于这本书的访谈：* https://collabfund.com/blog/my-new-book-the-art-of-spending-... 重点不在于你是要节俭、抠门还是大手大脚，而是……
…frugality. It's not a bout moralizing but recognizing how the reward centres of the human brain work: * https://en.wikipedia.org/wiki/Hedonic_treadmill I would recommend the recently published book The Art of Spending Money by Morgan Housel, or check out the interviews he's done in recent months on it: * https://collabfund.com/blog/my-new-book-the-art-of-spending-... It's not about being frugal or cheap or spendy, but…
……根据你自己的生活方式和生活成本去调整那 12 万美元的年支出吧。你虽然坐不起私人飞机，但这能消除生活中绝大多数的焦虑。刚出版《The Art of Spending Money》（此前著有《金钱心理学》）的作者 Morgan Housel 说道：> 00:50:16 […] 你有做自己的独立性，每天早上醒来可以说：我今天想干嘛就干嘛。这就是财富。* https://ritholtz.com/2025/11/transcript-morgan-housel-spend/
…Adjust the $120k annual spend for your own lifestyle and cost of living. You're not going to fly private, but it will take most of the worry out of life. Morgan Housel, author of the recently release The Art of Spending Money (and previously The Psychology of Money): > 00:50:16 […] You have the independence to be who you are and wake up every morning and say, I can do whatever I want today. That’s wealth. * https://ritholtz.com/2025/11/transcript-morgan-housel-spend/
……商业伦理、How to Be Happy All The Time、Shape Up、钓大鱼（Catching the Big Fish）、Babaji The Lightning Standing Still、被讨厌的勇气（The Courage to be Happy）、系统学：系统如何运作，特别是如何失败（Systemantics: How Systems Work and Especially How They Fail）、The Art of Spending Money、Laws of Life、The Oracle、克里亚瑜伽：新时代的灵性觉醒（Kriya Yoga: Spiritual Awakening for the New Age）、内在卓越：训练你的心智以获得非凡表现与最佳人生（Inner Excellence: Train Your Mind for Extraordinary Performance and the Best Possible Life）
…Business Ethics How to Be Happy All The Time Shape Up Catching the Big Fish Babaji The Lightning Standing Still The Courage to be Happy Systemantics: How Systems Work and Especially How They Fail The Art of Spending Money Laws of Life The Oracle Kriya Yoga: Spiritual Awakening for the New Age Inner Excellence: Train Your Mind for Extraordinary Performance and the Best Possible Life